When thinking about types of pets, most individuals don’t think about pet rabbits. In fact, rabbits are a popular household pet as both kids and adults like to include them in their families.
While these little balls of fur and fun can bring so much joy to your home, they are not low maintenance pets.
Rabbit owners know they need to have the proper cage, food, and even exercise to stay healthy. As pet owners, knowing your rabbit health is protected with health insurance can bring peace of mind.
The American Veterinary Medical Association estimated that 1.5 million households have over 3 million rabbits! That’s a lot of bunny love!
Known for their curiosity, rabbits will tend to chew not only their food but power cords and other things they shouldn’t, often resulting in high veterinary care costs. If you’re asking if pet health care is worth it for rabbits, think about trying to pay for skyrocketing vet fees without any insurance policy reimbursement protection.
Pet insurance products for your bunny can help if your rabbit needs emergency care and pay a large portion of the veterinary bill.
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Why Purchase Rabbit Insurance
Rabbits, like dogs and cats, need a vet check-up at least once a year to check their teeth and check for health problems. Rabbits tend to have overgrown teeth and the issues that develop from that.
Rabbits can live long lives with proper care and if your rabbit develops an infection or gets hurt, the bills can be expensive.
It’s very common to end up with a vet bill that costs up to $5,000 or more! And when that unexpected illness occurs, pet insurance policy is a true saver!
Nationwide Pet insurance, who partnered with VPI, is the only pet insurance company in the United States that offers coverage for rabbits as part of their exotic pet plans that also includes ferrets, amphibians, reptiles, turtles to name a few.
Common Illnesses in Rabbits
Some of the common illnesses that can occur in rabbits:
- Ileus – bowel is not able to properly eliminate waste.
- Pink Eye
- Overgrown teeth
- Viral Disease
- Uterine Tumors
- Gastric disorders
With Nationwide pet insurance, 90% of the bills will be covered as long as the illness is not pre-existing.
What Rabbit Pet Insurance Covers
Pet insurance plans for rabbits works similar to that of dogs and cats.
The comprehensive coverage that Nationwide pet insurance offers for your rabbit will cover virtually all accidents, injuries, and illnesses
Some of the procedures and treatments that are covered for rabbits:
- All Illnesses
- Specialist Vet Visits
- Ear infections
- Bacteria-caused abscesses
- Diagnostic Testing like x-rays
- Lab work
- Medication (prescription)
- Surgery if necessary
- Hospital Stay
Rabbit Wellness Plans
If you are looking for routine or preventative coverage care, a wellness plan is just that. It is an additional coverage plan that is added on to a comprehensive policy for routine care procedures.
Nationwide, however, doesn’t have a wellness plan for rabbits, as it does for birds.
Pet Assure is different than most pet insurance and really like a discount site.
You sign up for a fee of about $10 a month and get a discount of 25% off all illnesses, preventative care, and even pre-existing conditions.
The only stipulation is that you do have to see their in-network veterinary providers, where pet insurance allows you to see any vet you want.
If you are interested in this kind of discount for your rabbit, it covers all of the following:
- Skin infections
- Pre-existing conditions
- Spay/neuter when you buy the optional wellness rider
While this is a good option to have, with Nationwide, you will get 90% of bunny’s vet bill reimbursed.
When your rabbit does need to go to the vet, you need to see a specialist who cares for bunnies.
There aren’t as many vests that care for rabbits and it drives up the prices which are why pet insurance is a great thing to have for your bunny.
What Isn’t Covered Under Rabbit Pet Insurance
The following is not covered for your rabbit with Nationwide:
- Cosmetic work
- Preventative care
- Anything birth-related
- Pre-Existing Conditions
- Hereditary or Congenital Issues
Cost of Rabbit Insurance
The cost of Nationwide’s rabbit insurance premiums averages about $10 to $12 a month.
As with all pet insurance, the price can vary depending on where you live, the age of your rabbit and the kind of rabbit you have.
Nationwide does not offer a preventive care plan for rabbits.
Reimbursements and Deductible
Nationwide’s rabbit plans have a reimbursement of 90% of the total cost of your vet bill. You can go to any vet that you choose.
Nationwide works on a per-incident deductible for each illness or accident that occurs with your rabbit.
This deduction renews each policy year and for each condition that your rabbit develops.
Pet Insurance Benefit Limits
Benefit limits are the maximum amount that is reimbursable to you each policy year.
Nationwide’s benefit limit for each accident or illness that your rabbit encounter is $2,000.
The maximum annual limit payout is $7,000. There is no maximum for the lifetime of your rabbit.
The minimum age to enroll your rabbit is 3 months. There isn’t an upper age limit for rabbits.
For rabbits, the waiting period is 14 days.
The waiting period is to make sure your rabbit doesn’t have any illness or condition that could be classified as pre-existing.
Pet Insurance Claims
To submit a claim for your rabbit, you can do so via their site directly, by phone, mail or fax.
Keep all invoice copies for submittal.
The turn-around reimbursement time is typically 30 days.
They pay you back directly after you pay the vet bill.
Does Your Pet Rabbit Need Insurance?
Rabbit insurance can provide you not only a nice reimbursement on the big bills but allows you the freedom to do so.
If your rabbit falls ill, you know that you can afford the care and not worry about the bills. And it covers not only the care but all the testing and medication that goes with the care.
Talk to your vet to see if they think pet insurance is necessary for your rabbit or at least, a good idea to have.
You can go to Nationwide and get a quote for your rabbit to see if you feel pet insurance is a value to you.
Or give them a call to make sure you get a good quote and of course customer service at 1-800-874-0362
If you have a dog or cat and would like to look into pet insurance for them, make sure to look at our top 10 pet insurance companies for 2020. It’s a great place to start!